Protection & Private Medical Insurance

Protection

We know how important financial security is to you and your loved ones. The aim of Personal Protection is to provide financial security for you, or your loved ones, if something goes wrong.

Policies run for a specified term, agreed at the outset. What you need to give you comprehensive cover, the amount (sum assured) and duration of any protection will depend on your own circumstances and this will probably change over time.

Life assurance is a contract through which the insurer promises to pay a designated beneficiary the sum assured on the death of the insured person in exchange for a premium. Depending on the contract, other things such as a terminal illness may mean the payment can be made earlier.

Critical illness cover is where a lump sum cash payment is made to the policyholder if they are diagnosed with one of the critical illnesses listed in the insurance policy, and providing any stated terms and conditions are met.

Income protection is a long-term insurance policy designed to provide you with an income if you can’t work due to illness or injury.

The amount (sum assured) and duration of any protection will depend on your own circumstances and this will probably change over time.

Private Medical Insurance

With private medical insurance (PMI, or Healthcare as it’s sometimes also known), you receive fast-track consultations and private treatment for short-term, curable medical problems. You are treated privately in an NHS hospital or in a private hospital.

E S Walton offers a comprehensive advice service on all forms of private medical insurance. We have a range of solutions available to us to meet all levels of budget.